Interest-free Low Fee credit card

CommBank's simplest credit card yet with no interest and no late fees. Just a simple monthly fee.
Category: Credit and Charge Cards  Last Updated June 3, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Bill Payment Additional Information: Through AutoPay, you can choose to have the full closing balance, the minimum amount due, or set an amount debited from your chosen CommBank transaction account. If the set amount isn't enough to cover the minimum payment shown on your current statement, we'll take out more to cover the difference. If the set amount is more than your closing balance shown on your current statement, only the closing balance amount is debited.
  • Bill Payment Additional Information: With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank, making it easy to see, track, and pay bills online.
  • Cashback Offer Additional Information: Get access to exclusive benefits, cashbacks and discounts with CommBank Yello.
  • Digital Banking Additional Information: Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.
  • Digital Banking Additional Information: With Bill Sense, you can see how much you'll need to cover bills each month - up to 12 months in advance - on one simple timeline in the CommBank app. We predict your bills based on patterns in your transactions, how much you pay and when. We may not predict all of your bills.
  • Digital Wallet Additional Information: Pay with your Apple(TM) device using Apple Pay.
  • Digital Wallet Additional Information: Pay with your Android(TM) phone using the CommBank app.
  • Digital Wallet Additional Information: Pay with your Garmin(TM) smartwatch using Garmin Pay.
  • Digital Wallet Additional Information: Pay with your Android(TM) device using Google Pay(TM).
  • Digital Wallet Additional Information: Pay with your Samsung(TM) device using Samsung Pay.
  • Fraud Protection Additional Information: Instantly lock, block or limit your card for extra control through the CommBank app or NetBank.
  • Other Additional Information: Use instore and online at millions of locations, everywhere Mastercard is accepted. A Mastercard allows you to pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Mastercard subject to terms and conditions
  • Notifications Additional Information: We'll tell you when your online bill payment is due.
  • Notifications Additional Information: We'll notify you when you go over your limit so you can make a payment in time and prevent an overlimit fee from being charged to your account. (Only applies to accounts opened before 1 July 2012).
  • Notifications Additional Information: Reminders before payments are due.
  • Notifications Additional Information: Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank Interest-free Low Fee credit card, and when you receive money into your everyday account.
  • Digital Banking Additional Information: We help you stay on track with your card spending in the CommBank app.

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Au. Additional Information: You must have an Australian residential address.
  • Natural Person Additional Information: Individuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
  • Other Additional Information: Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts.

 Bank Fees and Charges

  • International Transaction Fee (Transaction), Amount: 0.00. Additional Information: Pay no international transaction fees for purchases you make overseas or online.
  • Late Payment Fee (Event), Amount: 0.00. Additional Information: Late payment fees are not charged.
  • Monthly Fee (Periodic), Amount: 10.00. Additional Information: Monthly fee of $10. If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period.

 Limitations & Restrictions (Constraints)

  • Max Limit of 1500.00 Additional Information: Note the credit limit we give you will depend on your requirements and objectives, and financial situation.
  • Min Limit of 400.00 Additional Information: Note the credit limit we give you will depend on your requirements and objectives, and financial situation.

 Document Downloads